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If you’ve been living on Pluto, you will have escaped the new pension freedoms which allows pension savers full access to their pots from the age of 55.

Except, not quite. The exceptions are holders of final salary schemes (a.k.a defined...

The number of industries that are increasingly reliant on large temporary workforces is significant.  Research by the TUC showed the number of UK temporary staff rose by 89,000 in the two years to the end of 2012, to 1.6 million. Inevitably the...

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